Those are HUGE strides forward! 27% down to 6% interest, just for making a phone call?! Awesome! That will make a big difference, and you won't feel so much like a hamster running on its wheel. And once you start seeing more of your money going toward the principal of your debts--and as a result you start seeing real progress being made--that will create more motivation for you to find whatever extra money you have to throw it at the debts. Great start!

Mama to Conejita 2/2/10 and Little Stinker 6/28/13. Expecting a surprise in late March!

I have really been focusing on saving for a house. Haven't put any extra money towards debts for a while now. My kids have really been missing a house. I've gotta get them out of this RV. Seems as though I'm the only one that enjoys it these days. I got another second job. Hopefully this one will actually pay money. Won't see any more income for a month though.

Working on getting our funds in place to attempt an IVF cycle. Glad that insurance will cover 80% but still need to pay the 20% upfront before starting the cycle.

Crafty To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. Geeky To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. lady (37, hypothyroid) married 7/2010 love of my life To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. (42, azoospermia). I believe in MIRACLES! Twin boys To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. born 12/21/13 at 40 weeks 2 days! 3/52 crafts in 2014 Ramsey's BS1: Done! 2/17/12 To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. BS 2 goal: 6/7/17 To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. no sperm initial DX 3/23/12 BFP 4/7/13!

Those are HUGE strides forward! 27% down to 6% interest, just for making a phone call?! Awesome! That will make a big difference, and you won't feel so much like a hamster running on its wheel. And once you start seeing more of your money going toward the principal of your debts--and as a result you start seeing real progress being made--that will create more motivation for you to find whatever extra money you have to throw it at the debts. Great start!

A hamster on a wheel is exactly what I feel like. Hopefully now things will be way more manageable and I can finally see a light at the end of my long tunnel.

I have been talking with my insurance company and figuring out what is covered by insurance and what isn't. It looks like will need $2250 to start a cycle almost half of which is a ART case management fee that isn't covered by insurance but is required just to make an appointment for scheduling our month for the IVF cycle.

DH submitted a sperm sample to be frozen today - there were 5 moving sperm in his sample today, up from 1 moving sperm in the last SA. Dr. wants him to submit another sample for freezing (and each freezing procedure costs $206 but we will do what is necessary have a baby.

Still working off our debt snowball and the extra money I am making this summer is going directly to our IVF fund.

Crafty To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. Geeky To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. lady (37, hypothyroid) married 7/2010 love of my life To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. (42, azoospermia). I believe in MIRACLES! Twin boys To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. born 12/21/13 at 40 weeks 2 days! 3/52 crafts in 2014 Ramsey's BS1: Done! 2/17/12 To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. BS 2 goal: 6/7/17 To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. no sperm initial DX 3/23/12 BFP 4/7/13!